Bad-Credit Credit Cards with High Limits
| Credit Card | Best For | Credit Score | Annual Fee | Welcome Bonus | |
|---|---|---|---|---|---|
| Overall | 300–669 | $39 ($0 for the first year if you set up autopay) | |||
| Secured | 300–669 | $0 | |||
| Unsecured | 300–669 | $75-$99 | |||
| Rewards | 300–669 | $0 | Cashback Match | ||
| No Fees | 300–669 | $0 | |||
| No Credit Check | 300–669 | $35 | |||
| Rebuilding Credit | 300–669 | $0 | |||
| $2,000 Limit | 300–669 | $49 | |||
| $5,000 Limit | 300–669 | $0 | |||
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Credit cards are necessary financial tools for funding monthly expenses and building credit. But few cards are available to people with bad credit histories or limited borrowing experience.
Luckily, there are still credit cards for bad credit on the market. Unluckily, finding the right one can be hard, especially if you’re a bad-credit borrower looking for a lot of spending power.
Most bad-credit credit cards offer credit limits between $200–$500. This is a great place to start, but may not be enough for everyone. If you’re looking for bad-credit credit cards with high limits, check out our top 9 choices below.
Are there high-limit credit cards for bad credit?
Yes, there are both secured credit cards and unsecured credit cards for bad credit with high credit limits. While they’re harder to come by, they do exist.
Secured cards tend to offer higher limits, as the security deposit you put down usually determines your limit. For example, you may be allowed to secure a card for a $1,000 line of credit, but you’ll need to pay $1,000 upfront when you open that card.
Unsecured cards with high limits are rarer, but still out there. However, unlike with secured cards, you can’t determine your own credit limit. Issuers of unsecured credit cards will offer you a credit limit based on your credit history and financial status (including current employment).
How do I get a high-limit credit card with bad credit?
There are three ways to get a high-limit credit card when you have bad credit:
- Put down a large security deposit: As mentioned, secured credit cards often match your credit limit to your security deposit. You just need to find a secured credit card that allows the maximum credit limit you want, then you need to put down an equivalent deposit.
- Qualify for a high-limit unsecured card: There are also unsecured cards with high limits, but you can’t guarantee the credit amount you’ll qualify for. Instead, you’ll need to apply for a credit card that offers limits up to (or over) what you need, then hope to get approved for a high limit.
- Increase your credit limit: If you qualify for a credit limit lower than what you want, most cards will allow you to increase it eventually. To increase your credit limit, you most likely need to show responsible borrowing for 3–12 months (depending on the issuer’s rules). Responsible borrowing means using your card consistently and always paying off your balance.
